Canadian Privacy Policy

This Privacy Policy applies to our Canadian Operations

We value your trust. We are committed to the responsible:
a) management;
b) use; and
c) protection
of your Personal Information.

This Privacy Policy describes how we, with your express or implied consent or as otherwise permitted or required by law, collect, use, disclose, and protect Personal Information. By purchasing or applying for our products and services you are giving your consent to our collection, use and sharing of your personal information in accordance with this Privacy Policy. You may withdraw your consent to our use of your Personal Information by contacting us as indicated below. However, if you do so, our ability to provide, or continue to provide, products, coverage and/or services to you may be affected.

Personal Information Collection and Use

In general, we collect Personal Information to:
a) service your Transactions with us; and
b) support our business functions.

We may obtain Personal Information from:
a) You, such as in connection with your Transactions with us; and
b) Third parties, such as a consumer reporting agency, insurance brokers or agents, government authorities, and employers.

Based on the type of product or service You apply for or get from us, we may collect Personal Information. We may use this information to:
a) underwrite policies,
b) process claims,
c) facilitate payments,
d) develop new products,
e) advise you of new products and services, and
f) detect or prevent fraud.

Sharing of Personal Information

To serve you and service our business, we may share certain Personal Information with our affiliates and third-parties including affiliates such as our insurance companies, our employee agents, our brokerage firms, and our administrators; and including third parties such as contractors, agents or administrators under contract to perform services on our behalf, with independent agents, brokerage firms, and insurance companies to serve you; and service providers to administer or investigate claims, to store Personal Information, market our products or services, or administer surveys.

We only transfer or disclose Personal Health Information with: a) your written authorization; or
b) as otherwise allowed or required by law.

Your Personal Information may be maintained and processed by our affiliates and other third party service providers in the US or other jurisdictions. Third parties are given the information they need to perform their designated functions, and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes. For details on the manner in which our service providers treat Your Personal Information, contact us as set forth below.

If your Personal Information is shared, stored and/or processed in foreign jurisdictions, your Personal Information may be subject to the foreign jurisdiction’s laws and available to its courts, regulatory agencies and law enforcement authorities.

With your consent or when allowed by law, we may use or share certain Personal Information with third parties who a) market our products or services or b) offer financial products or services, under a joint marketing agreement between us and one or more financial institutions. We will not sell or share your Personal Information with anyone for these optional purposes without offering you the opportunity to:
a) “opt out”; or
b) “opt-in”;
as required by law.

We may transfer any information we have about you as an asset in connection with a proposed or completed merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of Hartford or as part of a corporate reorganization or other change in corporate control.

We may otherwise provide your Personal Information in response to a search warrant or other legally valid inquiry or order, in the case of a breach of an agreement or contravention of law, or as required or permitted by applicable Canadian, US or other law. We may also disclose Personal Information where necessary for the establishment, exercise or defence of legal claims and to investigate or prevent actual or suspect loss or harm to persons or property.

Safeguarding Your Information

We have implemented technical, physical and administrative safeguards designed to maintain:
a) the confidentiality; and
b) the integrity of;
Personal Information in our custody or control. We use these procedures to guard against unauthorized access, use, modification and disclosure of such Personal Information.

We:
a) identify information to be protected; and
b) provide an adequate level of protection appropriate to the sensitivity of the Personal Information.

Our employees have access to Personal Information in the course of doing their jobs. We limit access to your Personal Information to those employees who require such access to perform their job-related duties. Employees who violate our Privacy Policy will be subject to discipline, which may include ending their employment with us.

Changes to this Privacy Policy

This Privacy Policy may be updated periodically to reflect changes to our Personal Information practices. The revised Privacy Policy will be posted on our website, and is available upon request.

We will continue to follow our Privacy Policy regarding Personal Information even when a business relationship no longer exists between us.

Access to Your Information; Retention of Your Information

We are committed to the use of accurate Personal Information. You may request access to your Personal Information and seek correction of any inaccurate Personal Information. However, such access may be limited where we are under legal restrictions on disclosure or need to protect our rights and those of other persons, such as:

Information subject to a legal privilege;

Where disclosure would likely reveal personal information of a third party;

Where disclosure would reveal our confidential information;

Where disclosure would likely compromise the security of another person or of an investigation concerning a claim or other legal matter; or

Where disclosure would violate applicable law or a properly-issued court or administrative order.

We retain Personal Information for so long as is required to enable us to fulfill all of the purposes for which such information was collected and to meet our legal and contractual obligations.

Personal Health Information means health information such as:
a) your medical records; or
b) information about your illness, disability or injuryTransaction means your business dealings with us, such as:
a) your Application;
b) your request for us to pay a claim; and
c) your request for us to take action on your account.

You means an individual who has given us Personal Information in conjunction with:
a) asking about;
b) applying for; or
c) obtaining;
a financial product or service from us.